5 Insightful Travel Tips for Your Holiday Break

The year has caught on already, so thinking about your annual leave, however far off that may be, is completely justified. The pressures of career work and domestic responsibilities are draining, and holiday breaks help us rediscover whatever energies we might have lost.Travelling is perhaps the best thing you can do when you have a couple of weeks off from work. There are significant emotional and psychological benefits gained from it. You learn more about yourself, and you are able to appreciate the immensity of the planet.Travel has evolved with the times, and now it’s much more convenient. The interconnectivity of the globe is to thank for this expediency. There are of course some less desirable changes that will occur this year- such as the elevated air fair prices and the increased costs of hotel accommodation. But the gains made far outweigh these trivial disadvantages. Here are 5 travel tips that will make your traveling more enjoyable and comfortable.Plan Ahead
The better you plan, the greater the chances of your vacation going well. Planning enables you to have an objective look at your finances, and this helps you know what you can afford and what you cannot. It doesn’t matter how many months precede your travel; start making the plans on paper right away.Use Technology
Unless you plan on travelling off the grid, make use of technology to serve you. There are many travel apps to help you plan an itinerary, and many applications that can help you overcome the challenges of travel such as currency exchange rates, local languages, points of interest, accommodation and so on.Use Low Cost Carriers
Unless your flight is across continents, opt for low cost carriers. They have their shortcomings and inconveniences, but the savings they make you are significant enough to offset these other concerns.Don’t Go It Alone
A sunset is never quite as beautiful when you watch it alone. For travel, you need someone to share the adventures with. Besides, you’ll find awesome deals for couples, so there really isn’t any good reason to go it alone.Remember the Stills
Every moment you experience in your travel is a moment you will want to hold on to. Most mid-segment to high end phones offer enough in terms of photography and should suffice for quick snaps. But for the best photos, consider a DSLR. The resolution achieved by these is always more desirable.Stick to these tips and your 2014 holiday travel plans should unfold nicely.

Las Vegas Shopping – THE Place to Shop

Many things come to mind when thinking of Las Vegas. Sprawling casinos, world-class shows, a hotel strip like no other in the world – and lots and lots of fabulous shopping. From the glamorous Forum shops with top designer names to the open-air Premium Outlets with great deals on brand-name merchandise, shopping in Las Vegas is as fun and unique as the city itself.

Some of the hotel shopping on Las Vegas Boulevard is an absolute must, as much for the surroundings as for the boutiques themselves. A great place to start on the strip is the Forum Shops at Caesars Palace (3500 Las Vegas Blvd S.) Even if you don’t spend a dime you will enjoy the architectural details of this famous shopping venue. Designed to reflect the grandness of a Roman street, this shopping arcade features marble statues, a massive atrium with a domed skylight, and the much-copied sky painted ceilings that make it feel like you’re outside even though you aren’t. The shopping is also pretty remarkable. There are over 160 stores including mall favourites such as Gap, Victoria’s Secret and Abercrombie & Fitch, alongside top international luxury brands like Gianni Versace, Louis Vuitton and Roberto Cavalli. Notable boutiques include the chic fashions in Nanette Lepore, the incredible bags by Balenciaga, and the trendy pieces in Intermix. You will find fashions for your home as well, from the handcrafted crystal at Baccarat to the sleek designs at Nambé. If you hit the jackpot, the Forum Shops are the place to splurge – and so is the extraordinary collection of boutiques at the Wynn Esplanade in the Wynn Las Vegas (3131 Las Vegas Blvd S.) Oscar de la Renta features classic couture and shoe lovers particularly will enjoy the sexy styles on display at Manolo Blahnik. If you REALLY hit the jackpot you could even treat yourself to a shiny new car at the Penske Wynn Ferrari Maserati dealership.

For more great shopping and opulent settings, head to the Grand Canal Shoppes at the Venetian Resort & Casino (3355 Las Vegas Blvd S.) It has a canal complete with crooning gondoliers, cobblestone walkways and a re-creation of Venice’s famous St. Mark’s Square. Shoppers are serenaded by musicians, jugglers and various entertainers as they stroll along the canal. There are plenty of luxe labels to browse including Burberry, Jimmy Choo and the stylish and sexy designs at bebe. If you want to pamper your skin, the luxurious soaps, lotions and fragrances at Acca Kappa are simply divine. Other highlights include the one-of-a-kind porcelain designs in the Lladro boutique, and the acclaimed panoramic photography in the Peter Lik Gallery. Other notable shopping on the strip can be found at the bustling Miracle Mile Shops at the Planet Hollywood Resort & Casino (3663 Las Vegas Blvd S.) which offers hip stores like H&M, Marciano and Ben Sherman.

There are some gigantic malls in Vegas and shopaholics should prepare themselves for a shopping extravaganza at Fashion Show (3200 Las Vegas Blvd S.) At nearly 2-million-square-feet with more than 200 stores, this shopping centre is one of the biggest in the US. Located in the heart of the strip, this mall features an 80-foot retractable runway for the fashion shows that run regularly. You’ll find renowned department stores such as Saks Fifth Avenue, Macy’s, and Bloomingdales, and cutting edge shops like Zara, Betsey Johnson and Ed Hardy. And there are plenty of popular chains like Hollister, J. Crew, and Ann Taylor. More in the mood for Old Navy than Emporio Armani? Then check out The Boulevard (3528 South Maryland Parkway.) Just minutes from the strip and downtown, it is the second largest mall in the city after Fashion Show, and features a Sears, JC Penney, and many other mall favourites.

Off the strip, head downtown to the Las Vegas Premium Outlets (875 South Grand Central Parkway.) This open-air shopping venue has over 150 stores with a mix of brands, many of which are unexpected for an outlet. The uber-trendy on a budget will love browsing through the fashions at Dolce & Gabbana, Michael Kors and A|X Armani Exchange. Need to accessorize? Head to Kate Spade, Coach or Cole Haan. From sportswear at Adidas to crystal at Swarovski, this is outlet shopping that really delivers the designer goods. There are also lots of upscale finds at the Fashion Outlets of Las Vegas (32100 Las Vegas Blvd S.) located about 40 miles south in Primm, Nevada. Shuttles are available from the MGM Grand Hotel, the Miracle Mile and Fashion Show (round-trip fare is $15.00 and includes a coupon book.) Highlights include Neiman Marcus Last Call and the Williams Sonoma Marketplace, which is worth the trip itself for deep discounts on high-end kitchenware.

You Need Insurance Regardless of Your Business

While it might be comforting to think that insurance is something that only the big companies need to worry about. Insurance is something that all businesses need to worry about. Indeed, the smaller you are as a business, the more vulnerable you are to a wide array of risks that can only ultimately be dealt with by adequate business insurance protection.

When you run your own business, you take on obligations and responsibilities above and beyond that of the average citizen. In fact, it can be seen as somewhat of a double-edged sword. On the one hand, you probably go into business hoping to make a profit doing something you love while providing a benefit to others. On the other hand, all those others are affected by what you do — good or bad. It’s the latter that can get business owners into trouble if they don’t seriously think about serious business insurance protection.

Let’s take small business liability insurance as an example. Without this form of insurance protection, a business owner is putting themselves in unneeded and unnecessary financial risk.

Small business liability insurance is that which essentially protects a business from the threat of a lawsuit. It differs from other kids of protection many individuals might already be familiar with because it covers assets from the risk of being attacked by a claim of misconduct carried out by you or your business. If somebody decides to sue your business, not only could you be on the hook for the damages awarded, but the legal fees involved can often be staggering, even if the lawsuit is frivolous. Things like small business liability insurance, as part of a comprehensive business insurance package, are meant to deal with just such instances.

If you don’t think that your business is at risk like this, you might want to reconsider. No business is too small or irrelevant to be untouched by the risk of a lawsuit. In fact, the smaller you are, the less you’ll be able to count on your own resources to address the crisis of a legal proceeding, or the damages awarded as a result.

Perhaps for no sector of business is this reality more apparent than with small offices providing services of various sorts. While the amount of resources at your disposal is tight, the extent to which you may have an impact on the public is very considerable. And the extent to which that same public can come back and bite you can be similarly considerable, too. This goes for real estate professionals, management consultants, tax preparers, lawyers, doctors, and so on. No one is immune from the threat covered by business insurance that includes things like small business liability.

No matter how competently you think you run your business, how much emphasis you place on customer satisfaction, how well thought of you are in the business community, or the lengths to which you strive for excellence and achievement in your profession, you can be hit by a lawsuit. And, very often, you won’t even have seen it coming. Even some service provided as a sub-contractor for someone else can be seen as having done harm to someone. If that someone decides to sue, there are costs that have to be covered. Good business insurance will cover it. More specifically, good small business liability insurance will cover it.

Let’s take the management consultant industry as an example of where business insurance that includes small business liability is necessary.

The duties and responsibilities associated with the job of being a management consultant are considerable. In such a capacity, you use your expertise in the field of management to advise people professionally on a whole range of matters related to the proper running of a business. This can includes things as simple as staffing to something more sophisticated like public relations. Good management consultants provide a professional service noted for the extent to which comprehensive solutions are offered to meet challenging business environments.

This is precisely why management consultants need to be covered by good business insurance that includes small business liability insurance.

The extent to which their advice and solutions impact people can be almost limitless. In fact, if you tried to figure out who might sue you for advice you gave a client, you might never be able to do it. There will always exist people who simply perceive themselves to have been hurt by something you did. And they’ll sue you for it.

Alternatively, even the best management consultants make mistakes. Sometimes they could have legal ramifications. Other times, they could have professional ramifications. Indeed, things like errors and omissions insurance or professional liability insurance exist because professionals make mistakes. Not only do they make mistakes, but they make mistakes that violate the professional principles involved in their industry. It happens. It’s why even management consultants need good business insurance and liability protection.

Of course, whether you’re a management consultant, real estate agent, tax lawyer, or healthcare specialist, the specifics might be different, but the insurance risks are much the same. As small business owners with offices that need to be protected from the threat of financial loss, business insurance and small business liability insurance is simply a smart solution to that end. They literally help protect the small guy and gal from the swamp out there that could digest everything they’ve worked for. And that swamp could include the unwanted lawsuit.